Jenny Friedland tells her personal story of relationship collapse and how it inspired her to become a mediator. Through mediation work, she’s endeavouring to change family law.
Martin Lewis talks about debt problems and gives solutions. Martin gives his definition of “Debt Crisis” and “Problem Debts” outlining solutions for both and where to get help. you also get a checklist for cutting the cost of repaying debt. http://www.moneysavingexpert.com/loans/debt-solutions
Problem Debts Checklist:
1. Shift debts to cheaper rates with a credit card balance transfer.
2. Check out a personal loan to get a lower rate vs. existing credit cards. This can also help with the structure of repayments (Good if you have poor discipline in sticking to credit card minimum repayments).
3. Check your credit rating. Try to improve your credit rating.
4. Do the credit card shuffle.
5. Use your savings to pay off your debts after you have moved debts to lower rates. If you have any savings, use them.
6. Remortgaging. (not a massive fan of this one as it extends the length of the loan which may cost more).
7. Secured loan. (Make sure this is suitable for you! It may cost you more if it’s not suitable!!)
Budget, Budget, Budget, Budget!
Budgeting is crucial for climbing your way out of debt!
List your income against your expenditures to see if you are living beyond your means.
Getting out of debt is difficult and will take a lot of work but its worth it at the end of the day and we can help. There are ways to save on everything!
MSE Forum Debt-Free Wannabe: http://forums.moneysavingexpert.com/forumdisplay.php?f=76
Read the Debt Solutions guide for help: http://www.moneysavingexpert.com/loans/debt-solutions
Budget planner tool: http://www.moneysavingexpert.com/banking/Budget-planning
Improve your credit score: http://www.moneysavingexpert.com/loans/credit-rating-credit-score
Save money on everything: http://www.moneysavingexpert.com/
Non-profit debt agencies:
http://www.stepchange.org/
https://www.nationaldebtline.org/
https://www.citizensadvice.org.uk/
They don’t come much cheekier than Tommy. This 20-year-old bank clerk is a self-confessed shopping addict. In the two years since he started working, he’s managed to land himself with a credit card debt of £14,500, a monstrous debt which is eating up his modest take-home salary of £10,000. Tommy’s passion for the high life has plunged him deep into the red.
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#OnlyHuman #Spendaholics #ShoppingAddiction
Avoid Bankruptcy – debt settlement companies and so called credit counsellors are cold calling to offer their services to debt strapped Canadians. The majority of these offers are misleading and deceptive, and will end up costing you money that you don’t have. Ultimately, your debt will not be eliminated. Brian Doyle, President of Doyle Salewski, advises that before you make a commitment, meet with Doyle Salewski for a free second opinion. It may prevent you from making a serious mistake. Doyle Salewski has the information you need to make the right decision. Call the people you can trust: Doyle Salewski. 613-237-5555 or 1-800-517-9926
Ready to get started? Call our Ottawa number at 613-237-5555, or our toll-free number at 1-800-517-9926 (or email info@doylesalewski.ca ) to speak with one of our professional counsellors and set up your free consultation. The professionals at Doyle Salewski are all fully experienced in providing financial management advice such as credit counselling, bankruptcy, consumer proposals, budgeting, debt settlement, and debt consolidation.
At Doyle Salewski, we go out of our way to make our process as comfortable as possible and to help you achieve financial freedom. Visit our website at https://www.doylesalewski.ca/ to learn more.
Your initial meeting is free, fully confidential, and carries no obligation. If you decide to proceed with any of the options presented to you, your counsellor will determine the cost at that time, based on the choice you make.
Follow us on Facebook: https://www.facebook.com/DoyleSalewskiInc
Follow us on Twitter: https://twitter.com/doylesalewski
Read our Blog: https://www.doylesalewski.ca/blog
Take a look at our helpful information pages:
Debt Solutions: http://dev.doylesalewski.ca/debt-solutions/
Stop Collection Calls: http://doylesalewski.ca/debt-solutions/stop-collection-calls/
Credit Card Debt: https://www.doylesalewski.ca/debt-solutions/credit-card-debt
Eliminate Tax Debt: https://www.doylesalewski.ca/debt-solutions/tax-debt-help
Bank Loans: https://www.doylesalewski.ca/debt-solutions/get-help-with-bank-loans
Payday Loans Debt: https://www.doylesalewski.ca/debt-solutions/get-rid-of-payday-loans
Student Loan Debt: https://www.doylesalewski.ca/debt-solutions/student-loan-debt
Debt Consolidation Loans: https://www.doylesalewski.ca/debt-solutions/debt-consolidation-loan-debt
Wage Garnishment: https://www.doylesalewski.ca/debt-solutions/stop-wage-garnishment
Student loan debt forces millions of Americans to put off major life milestones like buying a home or having a child. Refinancing your loans only works if you have a great credit score and steady income. We put together six things you can do to deal with your debt and move on with life, including crowdfunding, joining a service organization, and voting for candidates for plans for student debt.
MORE PERSONAL FINANCE CONTENT:
Here’s Your Year-Long Guide To Financial Stability
https://www.youtube.com/watch?v=eoOQLA3TDtc
Easy Steps To Get Out Of Debt, According To A Certified Financial Planner
https://www.youtube.com/watch?v=CHiOBzqcMV8
How This Couple Avoids Fighting About Money
https://www.youtube.com/watch?v=_zvyMusgpyQ
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6 Creative Strategies To Deal With Student Loan Debt
ARE YOU READY FOR TRANSFORMATION OF YOUR LIFE ? LOOK NO FURTHER !
DHYAAANGURU is a Humanitarian, Philanthropist, Mentor, Motivator, Doctor and a Spiritual Guide who has helped thousands over the years with Lectures and workshops on Self-Development, Meditation and Mantras.
The healing mantras by Dhyaanguru are not just to provide spiritual benefits, but also to manifest in psycho-physiological healing. They work at the core level of the human system, DNA. The vibrations and frequencies of these powerful mantras have shown tremendous healing properties. Thousands of people have shared their success stories on Youtube.
Let us join together to heal our Mind, Body and Soul with Dhyaanguru !
LEARN ABOUT DHYAANGURU DR. NIPUN AGGARWAL,MD : https://dhyaanguru.com/about-dhyaanguru/
FOLLOW THE LINKS BELOW TO CONNECT WITH DHYAANGURU : YOUR GUIDE TO SPIRITUAL HEALING !
WEBSITE : https://dhyaanguru.com/
FACEBOOK : https://www.facebook.com/dhyaanguru
YOUTUBE : https://www.youtube.com/dhyaanguru
LINKED-IN : https://www.linkedin.com/in/dhyaanguru
PINTEREST : https://www.pinterest.com/dhyaanguru
TWITTER : https://twitter.com/dhyaanguru
DHYAANGURU CHARITY: https://dhyaanguru.com/dhyaanguru-charity/
SPEAKER: DHYAANGURU DR. NIPUN AGGARWAL, MD, MBA, MHT
ALL YOU NEED TO KNOW ABOUT MANTRAS :
https://dhyaanguru.com/all-you-need-to-know-about-mantras/
COMPLETE COLLECTION OF MANTRAS :
https://dhyaanguru.com/complete-mantra-collection/
LINKS TO DOWNLOAD MANTRAS :
CDBVABY: http://www.cdbaby.com/Artist/NipunAggarwal
ITUNES: https://itunes.apple.com/us/artist/nipun-aggarwal/id638183274
Email: dhyaanguruji@gmail.com
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KARMA SHANTI MANTRA !
GET RID OF YOUR BAD KARMAS !
DO GOOD AND GOOD & GOD WILL HAPPEN TO YOU !!
Listen to this mantra daily for atleast 40 days and see the Magic !
Please use Headphones for Divine Healing.
Mantra: OM MAHADEVA PARMATMA KARMATMA SHANTI !
Meaning: Lord Shiva(Mahadeva) is the destroyer of evil. We pray to you Lord Mahadeva, you are the purest Soul, please cleanse our soul with good Karmas and destroy the evil ones.
Karma is the fruit that comes from the seeds we sow. If the seeds are good, we get good fruit.One seed will make a whole tree full of fruits. If the seeds are bad, we get weeds instead. And weeds spread fast damaging the whole garden. If you have done bad karmas in life, you need to chant this mantra to clean the garden of weeds to make space for new seeds to be put in for good fruits. You will see good happening to in your life soon after you start this Mantra.
Can you change your karma? Yes. You cannot stop karma but you can change the direction of your karma. Anything you did in your past can be “undone” by doing good now. You have reaped what you sowed. You created your own destiny, now you can recreate it.
A clear conscience cannot be bought from a moment of regret or shame. If you want forgiveness for your actions you must first take responsibility for them.
Regret is the starting point. Feeling bad about what you did sends a signal to the universe. You must really mean what you say. It’s about learning through compassion. That comes from very carefully imagining how others feel. You are saying that you understand your past actions were wrong. You have awareness. This is the beginning. You have started to undo what you did.
Sometimes, you have to experience what you have done to others. No matter how bad you have been, you can always begin again. You can only erase bad karma with regret, then practicing kindness and love. There is no other way.
If you ever harmed anyone, ask them for forgiveness. Their forgiveness will dissolve any bad karma and turn it into good karma.
The effects of karma are sometimes immediate and in other cases there is a delay. There will always be an effect, no matter how long the delay. The consequences of your actions good or bad may even follow you into the next life.
Do not think a small sin will not return in your future lives.
Just as falling drops of water will fill a large container,
The little sins that steadfast accumulate will completely overwhelm you.
Do not think a small virtue will not return in your future lives.
Just as falling drops of water will fill a large container,
The little virtues that steadfast accumulate will completely overwhelm you.
— The Buddha —
Lower all your monthly installments and pay what you can afford after covering all your living expenses.
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Education loans are meant to make life easier and more comfortable. But, for me, it backfired. It did the complete opposite of making life easier for me. It just sucked me into a black hole of debt and despair.
My name is Alexandra Blair and this is the story of how I incurred student loan amounting to $1M.
I was the eldest of three siblings raised in an affluent suburb west of Los Angeles. My father, who didn’t finish college, owned a small construction business. My mother, a college graduate, worked mostly as a secretary. I found my true calling while I was still a teenager. Being insecure over my crooked teeth and an irregular jaw line, paved a way towards orthodontics for me.
After high school, I completed my undergraduate degree at a reputed worldwide university in the United States. I paid for my college tuition with money from my parents and by waiting tables at the small, cozy café near the school’s campus.
My parents had helped in paying the college tuition for all of us, that is, for both of my younger siblings too. But, Graduate school wasn’t part of the deal because they were unable to afford it being middle class and all.
I met and married my husband while at the undergraduate school, and graduated debt-free from there. I picked the USC dental school for my higher studies because of its prestige and because I wanted to live closer to my parents. My husband had no problem with it and he was exploring the opportunities in his own start-up business.
The dental school’s financial-aid director estimated that the basic four-year program would require $400,000 to $450,000 in student debt, including interest. My husband and I concluded that dental school was a good investment, given the salary I expected to earn.
I was like, we could make this work. There are certain things that are okay to go into debt for: a house, an education, a car.
So, we packed up for California in the same spirit. I got a job at USC as an administrative assistant, which provided a tuition discount. Our calculations were partly based on low interest rates that the federal government had set for students at the time. In the 2004-2005 school year, the rate for college and graduate students was 2.77%.
The following school year, which was my first year at USC, rates jumped to 4.75% for my loans. Those turned out to be the cheapest of the 50 loans I needed to finance my education. Unlike consumer loans for cars or homes, college students typically take out multiple loans each year—often at different interest rates, depending on what is available.
Ben Paris from Debt Mediators appears on Channel Nine’s “The Today Show” to discuss debt.
THN Debt Counsellors is a national debt counselling company, with branches in Giyani, Polokwane, Mpumalanga, Johannesburg & Eastern Cape. Our well trained & specialized Registered Debt Counsellors, who are also accredited and empowered by law (National Credit Act 34 of 2005 (Implemented on 01 July 2007)) are available all across our branches to aid all the consumers who cannot afford to meet their monthly financial obligations.
